0001171843-23-006429.txt : 20231026 0001171843-23-006429.hdr.sgml : 20231026 20231026063011 ACCESSION NUMBER: 0001171843-23-006429 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20231026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231026 DATE AS OF CHANGE: 20231026 FILER: COMPANY DATA: COMPANY CONFORMED NAME: DONEGAL GROUP INC CENTRAL INDEX KEY: 0000800457 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 232424711 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-15341 FILM NUMBER: 231347387 BUSINESS ADDRESS: STREET 1: 1195 RIVER RD PO BOX 302 CITY: MARIETTA STATE: PA ZIP: 17547-0302 BUSINESS PHONE: 7174261931 MAIL ADDRESS: STREET 1: 1195 RIVER ROAD STREET 2: BOX 302 CITY: MARIETTA STATE: PA ZIP: 17547 8-K 1 f8k_102523.htm FORM 8-K
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
_____________________

 

FORM 8-K

_____________________

 

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

Date of Report (Date of earliest event Reported): October 26, 2023

 

Donegal Group Inc.

(Exact Name of Registrant as Specified in Charter)

 

Delaware 0-15341 23-2424711
(State or Other Jurisdiction of Incorporation) (Commission File Number) (I.R.S. Employer Identification Number)

 

1195 River Road, P.O. Box 302, Marietta, Pennsylvania 17547
(Address of Principal Executive Offices) (Zip Code)

 

(717) 426-1931

(Registrant's telephone number, including area code)

 

(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
     
  ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
  ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
  ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
  ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of Each Class   Trading Symbols   Name of Each Exchange on Which Registered
Class A Common Stock, $.01 par value   DGICA   The NASDAQ Global Select Market
Class B Common Stock, $.01 par value   DGICB   The NASDAQ Global Select Market

 

 

 

Item 2.02. Results of Operations and Financial Condition.

 

On October 26, 2023, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

 

Item 9.01. Financial Statements and Exhibits.

 

Exhibit 99.1   Press release dated October 26, 2023
Exhibit 104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SIGNATURE

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  Donegal Group Inc.
     
     
Date: October 26, 2023 By:  /s/ Jeffrey D. Miller        
    Jeffrey D. Miller
    Executive Vice President & Chief Financial Officer
     

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

EXHIBIT INDEX

 

Exhibit Number   Description
     
Exhibit 99.1   Press release dated October 26, 2023
Exhibit 104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 EX-99.1 2 exh_991.htm EXHIBIT 99.1 EdgarFiling

EXHIBIT 99.1

Donegal Group Inc. Announces Third Quarter and First Nine Months of 2023 Results

MARIETTA, Pa., Oct. 26, 2023 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ:DGICA) and (NASDAQ:DGICB) today reported its financial results for the third quarter and first nine months of 2023.

Significant items for third quarter of 2023 (all comparisons to third quarter of 2022):

  • Net loss of $0.8 million, or 2 cents per Class A share, compared to net loss of $10.4 million, or 33 cents per Class A share
  • Net premiums earned increased 8.9% to $224.4 million
  • Net premiums written1 increased 6.3% to $219.2 million
  • Combined ratio of 104.5%, compared to 109.6%, due to lower commercial lines losses
  • Net loss included after-tax net investment losses of $1.0 million, or 3 cents per Class A share, compared to $1.9 million, or 6 cents per Class A share
  • Book value per share of $14.26 at September 30, 2023, compared to $14.85
 Three Months Ended September 30,  Nine Months Ended September 30,
  2023   2022   % Change   2023   2022   % Change 
 (dollars in thousands, except per share amounts)
Income Statement Data                       
Net premiums earned$224,393  $206,122   8.9% $655,886  $609,499   7.6%
Investment income, net 10,536   8,569   23.0   30,143   24,631   22.4 
Net investment (losses) gains (1,243)  (2,358)  -47.3   930   (10,811)  NM2 
Total revenues 233,928   212,838   9.9   687,870   624,776   10.1 
Net (loss) income (805)  (10,376)  -92.2   6,396   (5,439)  NM 
Non-GAAP operating income (loss)1 176   (8,513)  NM   5,661   3,102   82.5 
Annualized (loss) return on average equity -0.7%   -8.4%   7.7 pts   1.8%   -1.4%   3.2 pts 
                        
Per Share Data                       
Net (loss) income – Class A (diluted)$(0.02) $(0.33)  -93.9% $0.20  $(0.17)  NM 
Net (loss) income – Class B (0.02)  (0.30)  -93.3   0.17   (0.16)  NM 
Non-GAAP operating income (loss) – Class A (diluted) 0.01   (0.27)  NM   0.17   0.10   70.0%
Non-GAAP operating income (loss) – Class B -   (0.25)  NM   0.15   0.08   87.5 
Book value 14.26   14.85   -4.0   14.26   14.85   -4.0 
                        

1The “Definitions of Non-GAAP Financial Measures” section of this release defines and reconciles data that we prepare on an accounting basis other than U.S. generally accepted accounting principles (“GAAP”).

2Not meaningful.

Management Commentary

Kevin G. Burke, President and Chief Executive Officer of Donegal Group Inc., noted, “We remain focused on the ongoing execution of our strategic plan to build a solid foundation for future growth and consistent profitability, while we continue to navigate significant headwinds impacting the insurance industry. During the third quarter of 2023, we experienced significant improvement in our commercial lines underwriting results compared to the prior-year third quarter. We attribute that improvement in part to a decrease in large commercial property fire losses. On the other hand, our personal lines underwriting results reflected elevated weather-related losses resulting from a substantial increase in the frequency of severe weather events throughout our operating regions that generated the highest quarterly weather-related loss ratio we have recorded in recent years.”

Mr. Burke continued, “During the third quarter of 2023, we completed our deployment of enhanced products and a new agency portal across our 22-state commercial lines geographical footprint as well as additional service capabilities to allow us to compete more effectively for quality small commercial accounts through our independent agents. Conversely, as previously announced, we began to non-renew all commercial policies in Georgia and Alabama. We have also accelerated commercial lines renewal premium increases and other underwriting refinements as part of our ongoing profit improvement initiatives in other regions where we have not achieved targeted profitability levels. Within our personal lines business segment, we continued to implement significant premium rate increases along with other actions to slow the pace of new business writings. We expect to continue to take significant rate increases through the balance of 2023 and into 2024 to ensure that we achieve rate adequacy in this segment. Excluding the markets we are exiting, retention levels in both segments remained consistently high despite the premium rate increases and other underwriting actions we implemented.”

Insurance Operations

Donegal Group is an insurance holding company whose insurance subsidiaries and affiliates offer property and casualty lines of insurance in three Mid-Atlantic states (Delaware, Maryland and Pennsylvania), two New England states (Maine and New Hampshire), five Southern states (Georgia, North Carolina, South Carolina, Tennessee and Virginia), eight Midwestern states (Illinois, Indiana, Iowa, Michigan, Nebraska, Ohio, South Dakota and Wisconsin) and five Southwestern states (Arizona, Colorado, New Mexico, Texas and Utah). Donegal Mutual Insurance Company and the insurance subsidiaries of Donegal Group conduct business together as the Donegal Insurance Group.

 

 Three Months Ended September 30,  Nine Months Ended September 30,
  2023   2022   % Change   2023   2022   % Change 
 (dollars in thousands)
Net Premiums Earned                       
Commercial lines$135,432  $130,279   4.0% $399,427  $387,042   3.2%
Personal lines 88,961   75,843   17.3   256,460   222,457   15.3 
Total net premiums earned$224,393  $206,122   8.9% $655,887  $609,499   7.6%
                        
Net Premiums Written                       
Commercial lines:                       
Automobile$37,535  $37,330   0.5% $134,853  $129,546   4.1%
Workers' compensation 24,371   24,633   -1.1   85,315   86,873   -1.8 
Commercial multi-peril 44,949   46,864   -4.1   147,622   152,178   -3.0 
Other 11,639   11,839   -1.7   39,913   39,719   0.5 
Total commercial lines 118,494   120,666   -1.8   407,703   408,316   -0.2 
Personal lines:                       
Automobile 58,038   48,472   19.7   161,348   135,700   18.9 
Homeowners 39,633   34,082   16.3   105,035   90,382   16.2 
Other 3,021   3,009   0.4   8,917   8,719   2.3 
Total personal lines 100,692   85,563   17.7   275,300   234,801   17.2 
Total net premiums written$219,186  $206,229   6.3% $683,003  $643,117   6.2%
                        

 

Net Premiums Written

The 6.3% increase in net premiums written for the third quarter of 2023 compared to the third quarter of 2022, as shown in the table above, represents a 1.8% decline in commercial lines net premiums written and 17.7% growth in personal lines net premiums written. The $13.0 million increase in net premiums written for the third quarter of 2023 compared to the third quarter of 2022 included:

  • Commercial Lines: $2.1 million decrease that we attribute primarily to planned attrition in states we are exiting or have targeted for profit improvement and lower new business writings, offset partially by strong premium retention and a continuation of renewal premium increases in lines other than workers’ compensation.
  • Personal Lines: $15.1 million increase that we attribute primarily to a continuation of renewal premium rate increases and strong policy retention.

Underwriting Performance

We evaluate the performance of our commercial lines and personal lines segments primarily based upon the underwriting results of our insurance subsidiaries as determined under statutory accounting practices. The following table presents comparative details with respect to the GAAP and statutory combined ratios1 for the three and nine months ended September 30, 2023 and 2022:

 Three Months Ended
 Nine Months Ended
 September 30,
 September 30,
  2023   2022   2023   2022 
                
GAAP Combined Ratios (Total Lines)               
Loss ratio - core losses 56.7%  60.8%  56.0%  58.8%
Loss ratio - weather-related losses 11.5   9.4   9.1   7.7 
Loss ratio - large fire losses 4.9   8.4   5.3   6.6 
Loss ratio - net prior-year reserve development -3.3   -3.0   -2.4   -5.0 
Loss ratio 69.8   75.6   68.0   68.1 
Expense ratio 34.1   33.4   34.9   34.7 
Dividend ratio 0.6   0.6   0.6   0.7 
Combined ratio 104.5%  109.6%  103.5%  103.5%
                
Statutory Combined Ratios               
Commercial lines:               
Automobile 86.5%  107.0%  94.8%  98.7%
Workers' compensation 97.7   105.9   93.1   93.9 
Commercial multi-peril 114.8   125.0   113.8   114.9 
Other 76.2   85.9   82.7   81.9 
Total commercial lines 97.5   112.1   100.2   102.4 
Personal lines:               
Automobile 109.8   103.1   106.1   100.2 
Homeowners 128.9   125.0   111.2   118.8 
Other 46.4   54.6   81.3   49.9 
Total personal lines 119.4   107.8   107.2   103.4 
Total lines 105.2%  110.1%  102.9%  102.8%
                


Loss Ratio

For the third quarter of 2023, the loss ratio decreased to 69.8%, compared to 75.6% for the third quarter of 2022.

Weather-related losses of $25.7 million, or 11.5 percentage points of the loss ratio, for the third quarter of 2023, increased from $19.4 million, or 9.4 percentage points of the loss ratio, for the third quarter of 2022. The impact of weather-related loss activity to the loss ratio for the third quarter of 2023 was well above our previous five-year average of 9.3 percentage points for third quarter weather-related losses.

Large fire losses, which we define as individual fire losses in excess of $50,000, for the third quarter of 2023 were $11.0 million, or 4.9 percentage points of the loss ratio. That amount compared favorably to the large fire losses of $17.4 million, or 8.4 percentage points of the loss ratio, for the third quarter of 2022. The reduction was driven by a $6.5 million decrease in commercial property fire losses compared to the prior-year quarter.

Net favorable development of reserves for losses incurred in prior accident years of $7.3 million decreased the loss ratio for the third quarter of 2023 by 3.3 percentage points, compared to $6.2 million that decreased the loss ratio for the third quarter of 2022 by 3.0 percentage points. Our insurance subsidiaries experienced favorable development primarily relating to reserves for accident years 2019 through 2022 in the commercial automobile, personal automobile and other commercial lines of business.

The core loss ratio, which excludes the impacts of weather-related losses, large fire losses and net development of reserves for losses incurred in prior accident years, decreased to 56.7% for the third quarter of 2023, compared to 60.8% for the third quarter of 2022. The commercial lines core loss ratio for the third quarter of 2023 decreased to 53.7%, compared to 62.1% for the third quarter of 2022, with improvements across all major commercial lines of business. The personal lines core loss ratio for the third quarter of 2023 increased to 61.8%, compared to 58.4% for the third quarter of 2022, primarily related to continuing inflationary impacts on personal automobile repair and replacement costs.

Expense Ratio

The expense ratio was 34.1% for the third quarter of 2023, compared to 33.4% for the third quarter of 2022. The increase in the expense ratio primarily reflected higher technology costs related to our ongoing systems modernization initiatives.

Investment Operations

Donegal Group’s investment strategy is to generate an appropriate amount of after-tax income on its invested assets while minimizing credit risk through investment in high-quality securities. As a result, we had invested 95.7% of our consolidated investment portfolio in diversified, highly rated and marketable fixed-maturity securities at September 30, 2023.


 September 30, 2023
 December 31, 2022
  Amount   %   Amount   % 
 (dollars in thousands)
Fixed maturities, at carrying value:               
U.S. Treasury securities and obligations of U.S.               
government corporations and agencies$173,690   13.3% $166,883   12.8%
Obligations of states and political subdivisions 415,607   31.8   422,253   32.4 
Corporate securities 396,820   30.4   393,787   30.2 
Mortgage-backed securities 265,694   20.3   229,308   17.5 
Allowance for expected credit losses (1,359)  -0.1   -   0.0 
Total fixed maturities 1,250,452   95.7   1,212,231   92.9 
Equity securities, at fair value 35,464   2.7   35,105   2.7 
Short-term investments, at cost 20,370   1.6   57,321   4.4 
Total investments$1,306,286   100.0% $1,304,657   100.0%
                
Average investment yield 3.1%      2.6%    
Average tax-equivalent investment yield 3.2%      2.7%    
Average fixed-maturity duration (years) 5.7       5.9     
                

 

Net investment income of $10.5 million for the third quarter of 2023 increased 23.0% compared to $8.6 million in net investment income for the third quarter of 2022. The increase in net investment income primarily reflected an increase in the average investment yield relative to the prior-year third quarter.

Net investment losses were $1.2 million for the third quarter of 2023, compared to $2.4 million for the third quarter of 2022. Net investment losses for both quarterly periods were primarily related to the net change in unrealized gains or losses in the fair value of equity securities held at the end of the respective periods.

Our book value per share was $14.26 at September 30, 2023, compared to $14.79 at December 31, 2022, with the decrease due in part to after-tax unrealized losses within our available-for-sale fixed-maturity portfolio during the first nine months of 2023 that reduced our book value by $0.32 per share.

Definitions of Non-GAAP Financial Measures

We prepare our consolidated financial statements on the basis of GAAP. Our insurance subsidiaries also prepare financial statements based on statutory accounting principles state insurance regulators prescribe or permit (“SAP”). In addition to using GAAP-based performance measurements, we also utilize certain non-GAAP financial measures that we believe provide value in managing our business and for comparison to the financial results of our peers. These non-GAAP measures are net premiums written, operating income or loss and statutory combined ratio.

Net premiums written and operating income or loss are non-GAAP financial measures investors in insurance companies commonly use. We define net premiums written as the amount of full-term premiums our insurance subsidiaries record for policies effective within a given period less premiums our insurance subsidiaries cede to reinsurers. We define operating income or loss as net income or loss excluding after-tax net investment gains or losses, after-tax restructuring charges and other significant non-recurring items. Because our calculation of operating income or loss may differ from similar measures other companies use, investors should exercise caution when comparing our measure of operating income or loss to the measure of other companies.

The following table provides a reconciliation of net premiums earned to net premiums written for the periods indicated:

 Three Months Ended September 30,
Nine Months Ended September 30, 
 2023  2022  % Change  2023 2022  % Change 
 (dollars in thousands)   
                        
Reconciliation of Net Premiums                       
Earned to Net Premiums Written                       
Net premiums earned$224,393  $206,122   8.9% $655,886  $609,499   7.6%
Change in net unearned premiums (5,207)  107   NM   27,117   33,618   -19.3 
Net premiums written$219,186  $206,229   6.3% $683,003  $643,117   6.2%
                        

 

The following table provides a reconciliation of net (loss) income to operating income (loss) for the periods indicated:

 Three Months Ended September 30,    Nine Months Ended September 30,
  2023   2022   % Change   2023   2022   % Change 
 (dollars in thousands, except per share amounts)     
                    
Reconciliation of Net (Loss) Income                   
to Non-GAAP Operating Income (Loss)                    
Net (loss) income$(805) $(10,376)  -92.2
%  $6,396  $(5,439)  NM 
Investment losses (gains) (after tax) 981   1,863   -47.3
   (735)  8,541   NM 
Non-GAAP operating income (loss)$176  $(8,513)  NM  $5,661  $3,102   82.5%
                        
Per Share Reconciliation of Net (Loss) Income                       
to Non-GAAP Operating Income (Loss)                       
Net (loss) income – Class A (diluted)$(0.02) $(0.33)  -93.9
%  $0.20  $(0.17)  NM
 
Investment losses (gains) (after tax) 0.03   0.06   -50.0
   (0.03)  0.27   NM 
Non-GAAP operating income (loss) – Class A$0.01  $(0.27)  NM  $0.17  $0.10   70.0%
                       
Net (loss) income – Class B$(0.02) $(0.30)  -93.3%  $0.17  $(0.16)  NM
 
Investment losses (gains) (after tax) 0.02   0.05   -60.0
   (0.02)  0.24   NM 
Non-GAAP operating income (loss) – Class B$-  $(0.25)  NM  $0.15  $0.08   87.5%
                       

 

The statutory combined ratio is a non-GAAP standard measurement of underwriting profitability that is based upon amounts determined under SAP. The statutory combined ratio is the sum of:

  • the statutory loss ratio, which is the ratio of calendar-year incurred losses and loss expenses, excluding anticipated salvage and subrogation recoveries, to premiums earned;
  • the statutory expense ratio, which is the ratio of expenses incurred for net commissions, premium taxes and underwriting expenses to premiums written; and
    • the statutory dividend ratio, which is the ratio of dividends to holders of workers’ compensation policies to premiums earned.

The statutory combined ratio does not reflect investment income, federal income taxes or other non-operating income or expense. A statutory combined ratio of less than 100% generally indicates underwriting profitability.

Dividend Information

On October 19, 2023, we declared a regular quarterly cash dividend of $0.17 per share for our Class A common stock and $0.1525 per share for our Class B common stock, which are payable on November 15, 2023 to stockholders of record as of the close of business on November 1, 2023.

Pre-Recorded Webcast

At approximately 8:30 am EDT on Thursday, October 26, 2023, we will make available in the Investors section of our website a pre-recorded audio webcast featuring management commentary on our quarterly results and general business updates. You may listen to the pre-recorded webcast by accessing the link on our website at http://investors.donegalgroup.com. A supplemental investor presentation is also available via our website.

About the Company

Donegal Group Inc. is an insurance holding company whose insurance subsidiaries and affiliates offer property and casualty lines of insurance in certain Mid-Atlantic, Midwestern, New England, Southern and Southwestern states. Donegal Mutual Insurance Company and the insurance subsidiaries of Donegal Group Inc. conduct business together as the Donegal Insurance Group. The Donegal Insurance Group has an A.M. Best rating of A (Excellent).

The Class A common stock and Class B common stock of Donegal Group Inc. trade on the NASDAQ Global Select Market under the symbols DGICA and DGICB, respectively. We are focused on several primary strategies, including achieving sustained excellent financial performance, strategically modernizing our operations and processes to transform our business, capitalizing on opportunities to grow profitably and delivering a superior experience to our agents and customers.

Safe Harbor

We base all statements contained in this release that are not historic facts on our current expectations. Such statements are forward-looking in nature (as defined in the Private Securities Litigation Reform Act of 1995) and necessarily involve risks and uncertainties. Forward-looking statements we make may be identified by our use of words such as “will,” “expect,” “intend,” “plan,” “anticipate,” “believe,” “seek,” “estimate” and similar expressions. Our actual results could vary materially from our forward-looking statements. The factors that could cause our actual results to vary materially from the forward-looking statements we have previously made include, but are not limited to, adverse litigation and other trends that could increase our loss costs (including labor shortages and escalating medical, automobile and property repair costs), adverse and catastrophic weather events (including from changing climate conditions), our ability to maintain profitable operations (including our ability to underwrite risks effectively and charge adequate premium rates), prolonged economic challenges resulting from the COVID-19 pandemic, the adequacy of the loss and loss expense reserves of our insurance subsidiaries, the availability and successful operation of the information technology systems our insurance subsidiaries utilize, the successful development of new information technology systems to allow our insurance subsidiaries to compete effectively, business and economic conditions in the areas in which we and our insurance subsidiaries operate, interest rates, competition from various insurance and other financial businesses, terrorism, the availability and cost of reinsurance, legal and judicial developments (including those related to COVID-19 business interruption coverage exclusions), changes in regulatory requirements, our ability to attract and retain independent insurance agents, changes in our A.M. Best rating and the other risks that we describe from time to time in our filings with the Securities and Exchange Commission. We disclaim any obligation to update such statements or to announce publicly the results of any revisions that we may make to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.

Investor Relations Contacts

Karin Daly, Vice President, The Equity Group Inc.

Phone: (212) 836-9623
E-mail: kdaly@equityny.com

Jeffrey D. Miller, Executive Vice President & Chief Financial Officer
Phone: (717) 426-1931
E-mail: investors@donegalgroup.com

Financial Supplement


Donegal Group Inc.
Consolidated Statements of Income (Loss)
(unaudited; in thousands, except share data)
     
 Quarter Ended September 30, 
 2023 2022 
     
Net premiums earned$224,393  $206,122 
Investment income, net of expenses 10,536   8,569 
Net investment losses (1,243)  (2,358)
Lease income 86   92 
Installment payment fees 156   414 
Total revenues 233,928   212,839 
        
Net losses and loss expenses 156,683   155,754 
Amortization of deferred acquisition costs 39,332   35,513 
Other underwriting expenses 37,155   33,412 
Policyholder dividends 1,399   1,239 
Interest 156   71 
Other expenses, net 208   219 
Total expenses 234,933   226,208 
        
Loss before income tax benefit (1,005)  (13,369)
Income tax benefit (200)  (2,993)
        
Net loss$(805) $(10,376)
        
Net loss per common share:       
Class A - basic and diluted$(0.02) $(0.33)
Class B - basic and diluted$(0.02) $(0.30)
        
Supplementary Financial Analysts' Data       
        
Weighted-average number of shares       
outstanding:       
Class A - basic 27,594,973   26,781,374 
Class A - diluted 27,665,293   26,974,506 
Class B - basic and diluted 5,576,775   5,576,775 
        
Net premiums written$219,186  $206,229 
        
Book value per common share       
at end of period$14.26  $14.85 

 

Donegal Group Inc. 
Consolidated Statements of Income 
(unaudited; in thousands, except share data) 
     
 Nine Months Ended September 30, 
 2023 2022 
     
Net premiums earned$655,886  $609,499 
Investment income, net of expenses 30,143   24,631 
Net investment gains (losses) 930   (10,811)
Lease income 262   295 
Installment payment fees 649   1,162 
Total revenues
 687,870   624,776 
        
Net losses and loss expenses 446,024   415,246 
Amortization of deferred acquisition costs 115,065   104,867 
Other underwriting expenses 113,715   106,753 
Policyholder dividends 4,088   4,177 
Interest 464   464 
Other expenses, net 969   991 
Total expenses
 680,325   632,498 
        
Income (loss) before income tax expense (benefit) 7,545   (7,722)
Income tax expense (benefit) 1,149   (2,283)
        
Net income (loss)$6,396  $(5,439)
        
Net income (loss) per common share:       
Class A - basic and diluted
$0.20  $(0.17)
Class B - basic and diluted
$0.17  $(0.16)
        
Supplementary Financial Analysts' Data       
        
Weighted-average number of shares       
outstanding:       
Class A - basic
 27,390,883   26,216,215 
Class A - diluted
 27,507,706   26,362,723 
Class B - basic and diluted 5,576,775   5,576,775 
        
Net premiums written$683,003  $643,117 
        
Book value per common share       
at end of period$14.26  $14.85 

 

Donegal Group Inc.
Consolidated Balance Sheets
(in thousands)
        
  September 30,   December 31, 
  2023   2022 
  (unaudited)     
        
ASSETS       
Investments:       
Fixed maturities:       
Held to maturity, at amortized cost$683,912  $688,439 
Available for sale, at fair value 566,540   523,792 
Equity securities, at fair value 35,464   35,105 
Short-term investments, at cost 20,370   57,321 
Total investments 1,306,286   1,304,657 
Cash 23,719   25,123 
Premiums receivable 188,634   173,846 
Reinsurance receivable 437,889   456,522 
Deferred policy acquisition costs 77,921   73,170 
Prepaid reinsurance premiums 173,147   160,591 
Other assets 52,681   49,440 
Total assets$2,260,277  $2,243,349 
        
LIABILITIES AND STOCKHOLDERS' EQUITY       
Liabilities:       
Losses and loss expenses$1,113,354  $1,121,046 
Unearned premiums 617,326   577,653 
Accrued expenses 4,107   4,226 
Borrowings under lines of credit 35,000   35,000 
Other liabilities 17,150   21,831 
Total liabilities 1,786,937   1,759,756 
Stockholders' equity:       
Class A common stock 306   301 
Class B common stock 56   56 
Additional paid-in capital 333,559   325,602 
Accumulated other comprehensive loss (50,295)  (41,704)
Retained earnings 230,940   240,564 
Treasury stock (41,226)  (41,226)
Total stockholders' equity 473,340   483,593 
Total liabilities and stockholders' equity$2,260,277  $2,243,349 

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Document Period End Date Oct. 26, 2023
Entity File Number 0-15341
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Entity Central Index Key 0000800457
Entity Tax Identification Number 23-2424711
Entity Incorporation, State or Country Code DE
Entity Address, Address Line One 1195 River Road
Entity Address, Address Line Two P.O. Box 302
Entity Address, City or Town Marietta
Entity Address, State or Province PA
Entity Address, Postal Zip Code 17547
City Area Code (717)
Local Phone Number 426-1931
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Security Exchange Name NASDAQ
Class B Common Stock, $.01 par value  
Title of 12(b) Security Class B Common Stock, $.01 par value
Trading Symbol DGICB
Security Exchange Name NASDAQ

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